Most Americans should not use credit cards because the way the economy is. The economy at this very moment shows that Americans are great at racking uo debt, but fall short when time comes to pay it off.

Thank you for your help. If I was to use a topic sentence more like the one you wrote, wouldnt that go back on trying to prove a point on why most Americans should not use credit cards?
I am trying to prove a point on why most Americans should not use credit cards, if I said the debt eventually got paid off, wouldnt that turn back what I had said about credit cards?